Thanks for the input Mary,I am 48 years old. I know that the VUL is supposed to be held for life and that I probably wont take advantage of the cash buildup for 10 years or more. I think I am prepared to do that. At least I know I can max out the VUL payments. Who knows about the future , though? Anything can happen, loss of job, economic dive, etc.

I can't do a Roth now because We make too much. We are over the limit. As one of my friends said to me' Roos, you have a pleasant problem"!

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